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  1. #1
    Marksman Lilboog82's Avatar

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    Conceal/open Carry insurance

    In these crazy times itís probably best to reconsider the insurance if you donít already have it.

    hate to see anyone get hung out to dry. Sorry donít mean to offend anyone by using the word ďhungĒ.
    You canít fix stupid

  2. #2
    Expert

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    I'm NOT trying to start a political argument, debate 'Stand Your Ground' or 'Duty To Retreat' or anything like that.
    It's simply what *CAN* happen to you personally when a firearm (or car crash, or equipment accident) happens and you get either charged or sued.

    Since the 90s when I started as an instructor i recommended that people get personal liability insurance if they intend to daily carry.
    My million dollar policy is right about $350/year when added to home, business, auto, etc.

    Since YOU are responsible for every bullet you fire (and might be sued for some you don't fire) the insurance gives you a fighting chance for experts, testing, all the legal & scientific stuff that is so costly.
    Not the 'Dream Team', but $500k to $1 million gives you a fighting chance for investigators, experts, etc.

    Make no mistake, the $25k-$50k that's common on auto & homeowners policies, it's a drop in the bucket that doesn't even wet the bottom of a tea spoon... And the rest is on YOU...

    Not being exactly lax about the firearms education,
    I started with a brick with a belt clip attached for students to carry a while, just to see who would make the commitment...

    And we had an actual defense attorney, former prosecutor and current firearms defense attorney come in and explain what *Could* happen should you discharge, or even draw/display the firearm (when 'Concealed Carry' meant Concealed, not publicly displayed).

    Some of you might remember the lawsuits about 'Black Talon' and other B.S. 'Cop Killer' bullets,
    Juries ate that 'No Chance, Murder Bullet' crap up...

    Besides that, there are the millions in judgments awarded that shouldn't have been, like the $9 million award when a subcontractor was involved in a car crash, but the company that hired the subcontractor wound up paying the judgment...

    Nothing like paying the bill for the independent roofer, or plumber, or garbage hauler that is working on your stuff, and it does happen.

    Then there is the local gun range that got sued for damages to a home, injury of occupant, 4 years in the fight...
    Turns out the guy's own kids were shooting in the woods behind the house, right angle to the gun range, and fired through the tin cans they were shooting at into their own house...
    4 years of legal battles before they could get into court, have their investigation facts declared evidence, about $200,000 worth of legal fees just to get the case dismissed...
    The gun range is still there BECAUSE they had a big liability policy, and the reason we pay dues for a proper range, and protection against a legal system where anyone can sue for anything... Factual or not...
    (And why I pay my dues when I haven't used that range in more than 3-4 years... Just support for those trying to do things correctly)

    I worked WAY too hard for what I have, considering how badly it can go I put up the $350 against $1 million just to make sure I keep what I worked for,
    And to get an actual defense in the event I'm facing the government with an unlimited budget...
    There is nothing that says the prosecutor won't be a 'Crusader' and attempt to make an example of you, personal liability gives you a fighting chance!

    Don't forget blood sucking personal injury lawyers, actual injury or not, they will take anything & everything because there is a Payday in it for them either way...
    Last edited by JeepHammer; 07-05-2020 at 10:10.

  3. #3
    Da PinkFather jedi's Avatar

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    So what are the options?

  4. #4
    Plinker Atkinson Firearms's Avatar

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    There is several companies out there that offer Conceal Carry Insurance. One is US Law Shield and the other is USCCA. Both are reputable companies and they offer packages to meet everyoneís needs. I personally have this type of insurance since I carry everyday and when I am at the shop. Hope this helps. If you have any questions please feel free to give us a call at the shop. Be safe.
    Sean
    Atkinson Firearms
    545 Christy Drive, Suite 2400
    Greenwood, In 46143
    atkinsonfirearms.com
    317-437-4255

  5. #5
    Da PinkFather jedi's Avatar

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    https://www.pewpewtactical.com/conce...parison-chart/

    Found this article with lots of info.
    Top 5 insurance companies.

    What is f.... upped is NY and Nj changed this laws to NOT allow this type of insurance!!!

  6. #6
    Plinker

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    There is also Armed Citizens' Legal Defense Network "https://armedcitizensnetwork.org/".

  7. #7
    Grandmaster MCgrease08's Avatar

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    Quote Originally Posted by jedi View Post
    https://www.pewpewtactical.com/conce...parison-chart/

    Found this article with lots of info.
    Top 5 insurance companies.

    What is f.... upped is NY and Nj changed this laws to NOT allow this type of insurance!!!
    Those states don't want people to have that "get out of jail free" murder insurance.
    Well, I ain't always right but I've never been wrong,
    seldom turns out the way it does in a song.
    Once in a while you get shown the light
    in the strangest of places if you look at it right.

  8. #8
    Master Ziggidy's Avatar

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    I am thinking about CCWSAfe. Anyone use them?

    My only concern is you have to sign up to see the add-ons and their cost.
    NRA - Life

  9. #9
    Da PinkFather jedi's Avatar

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    Quote Originally Posted by Ziggidy View Post
    I am thinking about CCWSAfe. Anyone use them?

    My only concern is you have to sign up to see the add-ons and their cost.
    That is the one I was looking at.
    I emailed them since indiana does not have CCW permits we have licences to carry handgun. They emailed back saying that would be valid for their CCW permit plans.

    The pricing is on the main page. The ultimate was $500 a year or about $40 a month.

  10. #10
    Plinker

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    I went with USCCA Elite after watching all sorts of reviews on YouTube comparing all the companies.
    https://www.youtube.com/watch?v=bw2qVtrSa2o


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